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Borrowing money to trade crypto is a very risky endeavor no matter the trading skills as the counter party risk is high unless you plan on trading CME futures?

Long-term I believe that BTC are one of the only few survivors, none of the other projects are close to providing the same level of security, with such a long first-mover advantage it's almost impossible to compete with the BTC dominance.

Due to the low interest rates there are so many easy targets for such scams.

I agree that ETH is next best after bitcoin.